Risk Management Resources (Pay​Net)

The information on this page is provided courtesy of PayNet. For questions or additional information please contact Bill Phelan at bphelan@paynet.com.

PayNet Risk Insight Suite®

PayNet invites ELFA members to gain insight into the small business credit sector through PayNet Risk Insight Suite. This internet-based information portal provides increased data transparency and innovative analytics which can be used to benchmark C&I growth against an objective index, monitor the business cycle, and reduce the uncertainty of entering new markets by having an advanced view of defaults.

Industry Benchmark Data

Increasingly, more loans and leases are sold in private transactions between ELFA members. Often the deals are time-sensitive, with a rush to assess credit risk and value the assets. Risk measures like vintage loss curves are hard to assess in a short timeframe. Credit scores reflect historical "bad" rates instead of the future risk of the deal you are about to buy or sell. As a result, the costs of trade are high, and the cost of misjudging risk can be high as well.

To address these issues, PayNet is pleased to provide historical default rates and forecasted default rates, derived quarterly from PayNet AbsolutePD®, on small- and medium-size businesses for the benefit of ELFA members. This will enable credit assessments and assist in valuations between members more easily by providing ready access to default data and by creating a standard measure of probability of default. Also included are definitions of probability of default as well as historical default rates and AbsolutePD forecast.

Thomson Reuters/PayNet Small Business Lending Index

The Small Business Lending Index (SBLI) measure the volume of small business loans issued over the past 30 days and are based on the most recent data from the largest commercial and industrial lenders in PayNet's U.S. database, including both loans and leases.

2015

Thomson Reuters/PayNet Small Business Delinquency Index

The Small Business Delinquency Index (SBDI) measure the percentage of loans that are 31-90, 91-180, and 31-180 days delinquent based on the largest commercial and industrial lenders in PayNet's U.S. database, including both loans and leases.